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what happens a lot in Tenerife is that the insurance company automatically re-insure you and take the payment via direct debit if thats how you paid in the first instance. This is usually only with Spanish brokers and insurers though, most of the UK brokers here will act as they do in UK, send a reminder only and its up to you to re-insure. So if you paid a Spanish company via bank transfer or DD, check your bank statement, as you may well have been re-insured . . . . . at an EXCESSIVE premium to ! If so, you have 21 days DD guarantee to cancel it.
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thanks everyone .........